{
  "customerIdentifier": "ACME-Corp",
  "accountIdentifier": "ACME-Rewards-USD",
  "amount": 25.00,
  "currencyCode": "USD",
  "utid": "U280985",
  "recipientInfo": {
    "firstName": "Jane",
    "lastName": "Smith",
    "email": "jane.smith@example.com"
  },
  "sendEmail": true,
  "notes": "Q4 employee recognition award",
  "externalRefID": "HR-AWARD-2026-0042"
}